Your Local Mortgage Lender
Located in Hawaii and Licensed to Originate in Hawaii, California, Texas, Arizona, Oregon, North Carolina, Georgia and Florida
Personalized Mortgage Experience
Erein Trawick offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take our word for it
Mortgage Programs
Experience the best mortgage experience located in Hawaii.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Meet Team Pineapple
Erein Trawick
NMLS# 377996
Senior Loan Officer & Hawaii Manager
Licensed in: Hawaii, California, Arizona, Florida, Texas
Erein Trawick is a dedicated loan officer that is passionate about helping people achieve homeownership. He is relentless in educating buyers on the benefits and ease of owning a home. A University of Hawaii at Manoa graduate with a major in Finance, Erein breathes financial creativity when qualifying prospective homebuyers. A Maui High alumni, Erein's hobbies include being a dedicated father to his son and daughter and attending their many afterschool activities. He is also an avid football fan and personal health enthusiast.
Dom Pisciotta
NMLS# 1546696
Senior Loan Officer
Licensed in: Hawaii
Dom Pisciotta is a holistic loan officer focusing on helping his clients achieve their life goals. He goes above and beyond for each client utilizing his knowledge and expertise to provide creative solutions. Dom puts his customers first and focuses on a long-term strategy. He graduated from Seton Hall University with a B.S in Accounting and Masters in Tax from Florida Gulf Coast University. His passions include cooking, music, deep sea fishing, and coaching youth hockey. He is also a proud father to his twin children Matteo and Vita.
Jessica Heiman
NMLS# 2081551
Senior Loan Officer
Licensed in: Hawaii, California
My journey in lending began in 2018 when I purchased a condo. At the time, I was self-employed and did not realize I could even qualify. I found the lending process to be creative and full of problem-solving strategies that I enjoyed and wanted to learn more about. This led me to pivot and start a new career as a mortgage loan originator, allowing me to help others realize the life-changing opportunity of homeownership.
Richard Yamashiro
NMLS# 557140
Senior Loan Officer
Licensed in: Hawaii
Richard joins the Pineaple Mortgage team as a residential loan officer with more than 17 years in the banking industry. Throughout the years he has assisted numerous people with his extensive experience in Mortgage, Private and Consumer Banking with American Savings, HawaiiUSA Federal Credit Union, Bank of Hawaii and First Hawaiian Bank. One of the biggest decisions in life is a home purchase.
Richard is passionate about helping people reach their homeownership dreams by educating his buyers on the mortgage process and making the process easy and accessible to everyone. As a member of the Honolulu Board of Realtors, Richard is committed to helping home buyers find their dream home.
Cynthia Spencer
NMLS# 1576731
Senior Loan Officer
Licensed in: Hawaii
Cynthia Spencer is a professional loan officer who demonstrates integrity and a passion for excellence to provide a positive mortgage experience with Aloha for borrowers and realtors. Most recently Cynthia spent seven years at First Hawaiian Bank in the Mortgage Banking Department successfully providing services as a loan officer to hundreds of internal and external customers. Her mortgage experience in Hawaii began in 2003 as a residential loan underwriter which gives her a unique perspective when evaluating loan options.
Linda Okita
NMLS# 6547304
Senior Loan Officer
Licensed in: Hawaii
Linda Okita brings a consultative and caring approach to mortgage lending for a diverse clientele ranging from first-time homebuyers to savvy investors. She helps her clients select the best fit financing solution from what can be a daunting array of loan products and draws on years of experience with transactions involving conventional and government loans, builder/new construction, relocation, renovation, bank-owned/REO and bond/down payment assistance programs. Through proactive communication, effective transaction/timeline management, attention to detail, and cooperation and collaboration with internal and external partners, Linda earns long-term relationships, repeat business and referrals.
Kehau Herras
Hawaii Processor/Pipeline Manager
Pineapple is fortunate to have Kehau on the team! She is a proven, experienced loan coordinator and helps our team and our customers process loans quickly and stress-free!
Kehau started in the mortgage industry right out of high school and worked as a part time sales assistant and quickly became a full time employee. She worked hard, smart and quickly and was promoted to a Loan Officer Assistant role before becoming a loan processor for the next 18+ years.
Kehau has always enjoyed the fast paced work environment of the home loan industry. She enjoys helping people buy their first home or to secure a better rate or pay off debts with a refinance to help Hawaii families with their financial future.
VA Loans Made Easy
VA loans are a fantastic option for military families, offering no down payment, lower interest rates, and flexible qualification requirements. At Pineapple Mortgage, we specialize in making the VA loan process smooth and stress-free, ensuring you get the best rates and personalized guidance. Our expert team understands the unique needs of veterans and active service members, helping you secure a home without the financial burden of large upfront costs. Trust Pineapple Mortgage to make your VA loan experience straightforward and rewarding.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
State License
GA #377996
HI #HI-377996
TX #377996
FL #LO122891
CA #CA-DFPI377996
AZ #377996
OR #377996
NC #I-227014
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